Access to decent housing remains one of the main needs in Peru, especially for low -income families and/or in a vulnerable situation. To meet this demand, the Ministry of Housing, Construction and Sanitation (MVCS) implemented the own roof program.
In 2025, the Government has allocated more than S/900 million for this program, which will benefit 26,604 families nationwide. This support translates into the delivery of a special subsidy for these families with low income, which seeks to facilitate the construction of housing on their own land. Next, it is explained how this program works, its benefits and the requirements to postulate.
What is the own roof program and how does it work?
He own roof program It is an initiative of the Ministry of Housing, Construction and Sanitation (MVCS) aimed at low -income Peruvian families that wish to access decent housing. This program offers state subsidies through Housing Family Bonus (BFH), which covers part of the costs for the acquisition, construction or improvement of a home.
The program guarantees that acquired homes have essential basic services such as drinking water, drainage and electricity. In addition, it allows the beneficiaries to access a social interest housing (VIS) with a maximum value of 14 ITU (S/51.800), which ensures optimal habitability conditions. Own roof has three access modalities:
- New housing acquisition: Purchase of a house in registered real estate projects.
- Construction on its own site: Building of a house in its own field, free of loads or levies.
- Housing improvement: Refaction or remodeling of an existing house.
What benefits do their own roof participants have?
Builders, promoters and Beneficiaries of the own ceiling program They can access multiple advantages, both economic and operational. For beneficiaries, the main advantages are:
- Access to a non -refundable state subsidy, which would avoid high indebtedness.
- Ease for the construction or purchase of housing without paying for the entire property.
- Opportunity to improve existing homes, with optimal habitability conditions.
As for builders and promoters, the benefits include:
- Immediate liquidity: they can receive up to 100% of the investment before starting the work, thanks to the disbursement of the family housing bonus and complementary credits.
- Lower commercial risk: there is a high demand for social housing, since the housing deficit in Peru exceeds two million homes.
- Scale economy: possibility of developing large -scale real estate projects.
Own roof bonus: What requirements should applicants meet?
To access the Housing Family Bonus (BFH), applicants must meet a series of Requirements established by the own ceiling program. The main criteria are found below:
- Form a beneficiary family group (GFB): the head of the household must include in the request to their spouse, children, brothers under 25, children with disabilities or parents and grandparents.
- Not having received previous housing support: they cannot have been beneficiaries of programs such as ENACE, FONAVI, BANMA or MIVIVIENDA FUND (FMV).
- Do not be owners of another property in the country: it must be demonstrated that there is no housing, land or air independent nationwide.
- Have a monthly family income that does not exceed S/ 2,706.
- Have a minimum savings of 0.45 UIT (S/2,407.50 in 2025), which must be available at the time of application.
Own Roof Program opens your call 2025
The Ministry of Housing, Construction and Sanitation has announced the first call of its own ceiling 2025, which will allow more than 26,604 families to access a decent housing.
According to the Ministerial Resolution No. 040-2025-Housingin all the localities of the country there will be families benefited by the program. Next, you will find the 5 regions where more bonds will be delivered:
- Lima: 3,169 bonds
- Piura: 2,997 bonds
- Ica: 2,229 bonds
- Freedom: 2,200 bonds
- San MartÃn: 2,269 bonds
The registration process will begin 12 business days after the official publication of the call. Those interested can physically register in the following centers:
- Real Estate Vitrina: Jr. Camaná 199, Cercado de Lima.
- Citizen Attention Centers (CAC): throughout the country.
- Free line: 0800-12-200 for consultations and guidance.
Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
